Coles No Annual Fee MasterCard
Verified215 reviews
I have had the credit card since it was originally a Kmart card, and I have only ever had a maximum $3,000 Limit. I currently reduced it to a $2,000 Limit. The interest is quite high, but I do not get an annal fee. I have managed to sort it out and Access online services since the changeover to NAB. At first it was a stressful ordeal. There are a… Read more
LOT of codes sometimes annoying. I hope I never need to ring for services because that service is terrible and I can never understand the Language. I get double flybuy points at Coles,Kmart,Target,Bunnings / Coles group Stores. (There are other stores, but I do not shop at). I have only ever used this card for Grocery Shopping at Coles or small Kmart purchases. I do not have any other credit cards as I closed them. I plan to close this one in 2027 When I have enough savings. I would recommend to never have a credit card past $2,000 Limit. It is borrowed money & it's not worth the misery of being in high debt for years. JMG
I cannot believe what is happening. I have been completely unable to access my account since the NAB takeover and app release in September. Four months on, and I still have no access.I’ve been pushed from pillar to post, no one will take responsibility, and every promise to escalate or call me back leads nowhere. Even after going to the Ombudsman… Read more
and offered a payment, nothing has changed.I’m closing this account. I cannot believe this is allowed to happen. Why on earth would you release something with no proper testing? What a joke.My advice: stay completely away. There are plenty of other cards out there with far better service ones you can actually access, view your statements, and check for fraudulent activity. My direct debits have been declined because I have no idea what’s in my account.
Coles MasterCard still charged me interest after paying $6,000 for a closing balance of less than $1,400, before the due date. I've contacted customer support who say that it was a valid charge but couldn't tell me where the unpaid balance was from on the statement. Show details
Reviews with attachments
Once again the team at Coles Mastercard have shown that their systems are flawed. Offline with no access for two days to allow them to 'transition to a new app'. Then today, when the new app 'comes online', it not only doesn't work, it locks people out of the credit card and Coles Online shopping. Two phone calls to speak with an operator to find… Read more
out my balance (no self-serve or online options as their new update broke all their digital methods). First operator hung up on me when 'transfering my call to the person who could give me that information'. Second time, after waiting 47 minutes on hold (advised the wait time was 2 minutes), the operator [Name Removed] was either AI or her job is to just repeatedly say 'Hello, my name is [Name Removed], can I help you?' without waiting for a response, and then hanging up.
ACCC and Consumer Affairs should seriously look into the application process. 1. I made an application online with all the required information attached eg. Income details,identification etc. 2. I received emails and text messages asking me to submit my details again via email. 3. Thean they ask me for more information about my Income, more… Read more
information about my identification which I think is just excessive and something doggy as it not mentioned in the application process to submit utility bills worth of three months, bank statements of three months etc.etc. 4. The application is processed by an Indian call centre by the looks of it and the staff is not trained properly to handle and process personal financial documents/not properly reading the uploaded documents. 5. The call centre keeps asking for the same documents several times which is frustrating and had to call back several times with dates and times of emails that I have sent the uploaded documents 6. I was told in the process that the original application didn't come with the attached documents, it's not working properly and having technical issues! which is hard to believe. 7. I don't even know if my details are even secure with the staff that's keeps calling up and asking for more information which is concerning. 8. Applications should be processed in 48hours,now week two and still waiting. 9. Given up on the application unfortunately. Now all my personal financial details and identification details are held back from inexperienced overseas call centre doggy Should have known better.
Just... a mess – Signed up to get the bonus FlyBuys offer with the fee-free credit card. I was sent the wrong card in the mail. Emailed them to see if they could send me the right one. Never got a reply. Eventually called, and they did send me the correct one. I set it up with my FlyBuys account and spent enough to get the bonus points, but, after waiting a few… Read more
weeks, that never happened. Again I emailed them - no reply (even months later).
They then moved my Credit Card repayment date forward a few weeks. Wasn't a big problem, but I only learnt about this via 1 email that I could've easily - no letter, or any other notification.
Ahead of the due date, I logged in to pay the CC amount. There were no clear instructions on how to do this, so I tried to ask on web chat. Web chat didn't work - just opened a blank screen. So I called up. The operator sounded like she couldn't care less. She tried to verify my account by sending me a 1 time PIN via SMS, which I received, but then I was put through to an "automated account validator" that only asked for my account or card number. Entering in the SMS'd PIN did nothing of course. So the operator said she couldn't help.
Eventually, I just tried one of the forms in hope that it's one that will pay off the damned card. Fingers crossed. (PS still no FlyBuys points).
Debiting transactions twice should be illegal – Coles Mastercard are not able to account for Pay pal transactions properly. When an authorisation is processed via Pay pal the amount is debited and is marked as pending. When the actual charge goes through a few days later the amount is debited and appears in normal transactions, but the amount in pending remains. I made a complaint and received… Read more
an insulting response saying how Coles Mastercard regretted that I didn't understand how a credit card works. In fact, Coles Mastercard are not able to understand when a transaction is debited twice it adds up to a horrendous error. Currently I have two transactions dated 6th March and 7th March that are deducted once per the date, but also debited again as pending transactions.
A great card apart from the barrage of nuisance calls – I really have no problem with the product itself. It does what it says, its a no annual fee credit card and has a nice app, and its linked to fly buys. There are very few no annual fee credit cards left in the market and this one is not too bad. The only down side is the sales calls from overseas (Citibank). There are so many calls that you just… Read more
get sick of them and then have to block them. Luckily they always come from the same number so you can block them. The opt out procedure needs to be easier. And no I'm am not going to spend ages filling out your opt out form and then sending it in, you should have the preferences under my profile in the app so I can just uncheck the checkbox. In the mean time I will just keep blocking your crap marketing calls.
Latest follow-ups
Helpdesk Support Pathetic if You Lodge a Merchant Dispute After over 20 years of using this card, I have watched my consumer rights disappear completely. This year was the first time I have lodged 4 complaints due to dodgy online purchases. I was… Read more
able to solve one complaint on my own. However, one was refused due to the most ridiculous reason which compelled me to write this review. I purchased a mouth guard online (RYNX55680) which appeared to be a European product but the product came from China. After rigorously following instructions on how to use, the product was rendered useless as it lost its shape due to poor quality of the construction. After contacting the Merchant requesting full refund, the Merchant declined & offered partial refund & for me to purchase more prouct at a discount. I offered to return item for Merchant to see degree of poor quality of item, but Merchant advised I couldn't return item due to "hygenic" issues. I then contacted the Coles mastercard Helpdesk. After providing all correspondence, detailing issue over the phone, countless follow-up calls, I was denied the full refund due to the fact that I had thrown the faulty merchandise in the bin. What a most incomprehensible excuse. What am I suppse to do...keep the useless item that cannot be used for posterity. Everything about dealing with this heldesk has been a nightmare. They take ages to get back to you. They ask st^pid questions. I found I was doing most of the work. Coles has slowly eroded the benefits of this card. Earned rewards per month have been capped. Interest free days hhave been reduced drastically, & now the my consumer rights have been eroded. It's time to move to a much better card.
Follow-up · No response from Coles Mastercard which was to be expected given their poor Helpdesk performance. Interest free days are roughly the month you are purcasing in plus 14 days. It used to be 90 days. You used to be able to continually grow your rewards as you spend. Now there is a drastically reduced spend that applies due to each month's spend.
Trash company. I started out with this decades ago when it was buyers edge (the 24 months interest free stuff) I decided to close my account this… Read more
year after hearing about Coles getting into bed with Palantir (genocidal spy company). I then found out that Coles Mastercard were switching over to NAB, so I had another reason to leave.
Unfortunately that meant my timing coincided with Coles/NAB completely stuffing up the login etc. I managed to close (theoretically) my account, and the website stated that Coles would send me a cheque (how quaint) to refund my overpayment.
That was nearly a month ago, and I have not received a thing.
Coles Mastercard have made it impossible to contact them without either setting up a coles supermarket account, and then a new login with coles mastercard. I assume they are also using that dodgy web app cr^p because they are a dodgy company. Or you can call them... I have now been on hold for 33 mins, and have been repeatedly told for the last 20 minutes that I am next in line, and "will be answered by the next available team member" while listening to their hold music.
How about letting me email you Coles? Or would that be too freaking convenient?
1 star is far too high.
Follow-up · It took a couple of months to finally get my refund. I managed to get through in a reasonable timeframe on the half a dozen phone calls that were required to secure the refund, but it took that many to make it happen, even after having multiple staff tell me that the refund was on the way. I received emails, a text at 4am, and even a letter… Read more
Follow-up · Coles texted me at 3am this morning to tell me that I have a statement available... for my account that has been closed for months. Thank you for waking up the entire house at 3am just because you are completely f'n useless coles. The number is now blocked.
Recent reviews
Coles Mastercard - No one home I was unable to access my Coles Mastercard account. I discovered that it was due to the account being transferred to the NAB. I received a letter saying that the problem has been resolved and given instructions on how to reconnect with the account. They didn't work. I tried on 3 occasions to ring the service entre. I… Read more
waited for at least 45 minutes on each occasion but could not get through. I was in the middle of a dispute about fraudulent transactions when my online portal went dead. Now all communication channels are not working. Is anyone there?
I received a Coles no annual fee MasterCard and have had nothing but frustration from the moment I started using it. I went to Coles and the first problem is that they didn't recogise the pin number, so I had to use another card. This happened again after I went home and re-confirmed my pin. After that it worked for a while until the card was… Read more
again rejected because the pin didn't work. Due to this I decided to cancel the card. I rang Coles Financial Services and cancelled my card. At the time I had a credit of $139.46 and supplied my bank details for them to transfer that amount. Over two weeks later the amount still hadn't been transferred. I rang them and was on the phone for 30 minutes with someone who struggled with the English language. After 30 minutes she advised me that she couldn't help and that I had to ring the next day. The following day (today) I am still on the phone after 20 minutes and decided to write this review. Save your sanity and go elsewhere!
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it was great... but but log in to check transactions cant be done.... been going on for 2 months now.. obviously their IT department is way out of their depth.. nothing on the app seems to work, its clunky.. you cant even complain in the app or online.... time to dump Coles credit cards... l have complained to Coles by phone, support team… Read more
hard to understand.. so they fob you off and say thanks .. and they believe they've done their job... their hopeless to deal with... another case of a good product gone bad..
The new system is unbelievelably bad. It doesn't show all the transactions for the account just those pertaining to one card. How are you supposed to know what you owe and when it needs to be paid? I've since found out the answer to my question. I got a message that a statement had been issued but I can't access the statement The message says… Read more
'something went wrong' So I now have money owing but I don't know how much. Or when it's due or how to pay it. This is beyond pathetic. I'm sure they'll bill me for being overdue though
Why change something that worked. You decided to link online shopping with a banking service this basically exposes people to more risk. Long term customer who used tis for over 10 years. I now wont use my card and will be seeking an alternative. Show details
You force customers to change over to a new app that doesn't work. Seriously?? I cannot even log in to check my account details. As if that wasn't Horrendous enough, the customer service is non-existent. I can't even speak to someone to cancel my card. Never using your product again. Ever!
Have not been able to use their app or online banking for over a week now. Been on hold for 2 hours and still waiting! Such terrible migration of service and worse that we are unable to use the app for so long to kepe an eye on our transactions! Show details
Unable to use Online Service Centre You cannot access this service. For assistance, contact us.!!!! ( contact who ? ) No response from the provider. Poor Chat function. it's now more than a week I cannot view my transactions.
Was OK with the old app, but now they have changed to a new one and I cannot access anything. I can't access the website (I know 100% my password is correct but it says it isn't), the app doesn't work, I can't use the new app until I get into the website, I press the password reset button but they don't send me a password reset link, the chat app… Read more
is an endless loop of automated responses and nobody answers the phone. I can't even open a PDF statement emailed to me as they put a password on that which doesn't accept any password that I have ever used in my life.
It's not worth it any more for the paltry rewards I earn, 0.5 cents for every $2 spent, sorting this mess out will cost me more in time than I will ever get back in a lifetime.
Was great... now appalling. "The issuer and credit provider of your Coles Mastercard has changed from Citi to NAB. This won't change the way you use and manage your account or card, or the way you make repayments. The features, benefits, fees and charges relevant to your account will not change as a result of this." -is an absolute… Read more
lie.... for many years it was fine, now it is garbage The work experience crew tasked with this mission need to be sent back to school. Trying to login was a disaster Their new format is a disaster.... imagine the description of a transaction being "Ezi Debit" instead of the previous format of naming the biller!! I need to change cards!!
*. old app not working, so downloaded new app.- 11/09/2025 *. can not go through login process, login denied either from app and online on a computer. 11/09/2025 *. Today: 12/09/2025, still the same. *. Seen financial review report, didn't bother to ring because you might not be answered. *. Banks in Australia, including the major 4 might been… Read more
experiencing melting down, maybe because of AI, or Work_from_India. *. Hope they don't cut off my card, hope the app "migration from Australia to India" been a successful, so we can all live together happily regardless where is our logon information.
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Update: Coles Mastercard has behaved responsibly and when the access to Online Statements FAILED for all their clients they issued paper statements by mail. It is a crying shame that their product has been mangled by incompetent programmers at NAB (the banking corp) Coles Mastercard has been my go to for a very long time. It is now necessary to… Read more
close this account as they have DESTROYED their website and one can not access it at all! Incredibly they now require one to login via a supermarket website- which also does not work! The call centre in India has nothing helpful to say as they have not been briefed on this ridiculous arrangement and simply say: “No worry” How absurd. I suspect the management is wanting to dismantle this credit facility. It has effectively done so this week. This makes Coles Mastercard a “non starter” and therefore not a realistic choice for anyone. I’m quite sad to see it go.
Coles Mastercard was a very good card for a long period of time. The 65 interest free days were terrific and generally the ease of use was best with online transactions. Times have changed and the service updates and decline in interest free days to 44 were adequate, but not terrible, made this card unattractive. I never had a problem paying by… Read more
the due date. When the service changed the due dates without proper notification I was charged $30 late fee plus interest. Later this was refunded without my complaint as they acknowledged by my track record of paying on time. During August 2025 I was notified the service is changing again, but this time making security an issue by relying solely on an app and phone. When speaking with customer service it is apparent the company use offshore non-Australian speaking personnel, making it hard to understand and communicate due to lack of proper English expectations. For this reason, and the new service, as of September 2025 I am no longer using Coles Mastercard. I paid all in full and do not owe anything. I am happier with another card elsewhere that offers better security and general customer service this card once had.
If I could provide 0 stars. I would. Customer service staff are either AI or primary school children. When you make a payment to your credit card by bpay, it takes about 5 business days to process, so you end up getting late payment fees and extra interest charges. Go somewhere else if you need credit. I was with them 2 months , wanted to… Read more
leave after the first month and experience with customer service, couldn’t cancel my card because the customer service staff couldn’t understand what I meant and transferred me back to a phone loop that lasted an hour.
I will be taking my complaint to a consumer complaint with the Govt. This is unacceptable Cole’s financial services
The card itself is fine, having no fee. However, if there's an issue, there's big drama getting anything resolved. Due to a system error on their end, it rejected my automatic payment, and I was charged a dishonour fee. Then, despite 3 weeks of showing proof from screenshots from my Macquarie account, and emails from Macquaire that the funds were… Read more
there, and the issue was at Coles Mastercard end, they insisted the fee was valid and wouldn't remove the fee. The rejected amount was also manually paid as requested to do so in the initial email, but they didn't take it off the balance owing for the instalment plan - it is showing as paid in my account, but it still wants the money again. They finally escalated to a Case Manager, who acknowledged the fee shouldn't have been charged, and reversed it. But that same day, I was charged another dishonour fee despite telling them 3 weeks prior that the payment would fail if they tried to take out the incorrect amount.
ZERO STARS. The worst, most convoluted, unreasonable application procedure I have ever experienced anywhere, anytime, for anything. Despite having assets like owning my own home, ample bank accounts, superannuation, constant income, all of which were supplied to them, a perfect credit history, they refused my application. Constantly ending up at… Read more
the wrong department and having to be transferred despite following the phone menus to the letter. A nightmare of incoherent overseas operators which may have been the reason for the refusal, who knows. At times, I couldn't understand them, so maybe they couldn't understand me either! My advice, DON'T WASTE YOUR TIME!! Which will be considerable! P.S. Judging by the many scathing reviews here, it seems to me they did me a massive favour by declining my application and I've dodged a very large bullet by not getting this card.
THE ABSOLUTE WORST! They claim "fast service" and make you run around in circles for any customer related queries. Got a new phone and tried to log into the app. Card got blocked with 0 notification. App won't let me log in, the website won't log in and the phone lines drop after issuing the one time pin. Show details
Do not under any circumstances get this card , it was Citi but supplied by NAB. I opened an account used it and paid in full , the closed it with out my knowledge because of reputational risk
App not disclosing repayment due date – Credit Card services are fine so far except that they are now not showing me the repayment due date on the app so I have to find my statement download it, view it, and then be able to see the repayment due date. Looks like they only want me to miss a payment so I can be charged a late payment fee and interest on my balance. This is not ok.
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I got a statement in the mail. I guess they were worried as so many people couldn't access the… Read more (+3 replies)